Call reports 2022
CHARIS BANK — 2022
What CHARIS BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 273,883,000 | 278,574,000 | 276,147,000 | 258,421,000 |
| Total loans | 159,470,000 | 156,895,000 | 166,421,000 | 166,712,000 |
| Allowance for loan losses | 1,634,000 | 1,662,000 | 1,691,000 | 1,779,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,700,000 | 1,700,000 | 1,700,000 | 1,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,925,000 | 245,360,000 | 241,869,000 | 222,080,000 |
| Interest-bearing deposits | 191,522,000 | 203,348,000 | 188,914,000 | 175,723,000 |
| Noninterest-bearing deposits | 49,403,000 | 42,012,000 | 52,955,000 | 46,357,000 |
| Equity capital | 32,675,000 | 32,862,000 | 33,734,000 | 34,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,298,000 | 6,097,000 | 9,508,000 |
| Interest expense | 196,000 | 434,000 | 976,000 | 1,738,000 |
| Net interest income | 1,311,000 | 2,864,000 | 5,121,000 | 7,770,000 |
| Noninterest income | 53,000 | 115,000 | 179,000 | 238,000 |
| Noninterest expense | 1,410,000 | 2,810,000 | 4,230,000 | 5,603,000 |
| Provision for loan losses | 5,000 | 33,000 | 62,000 | 150,000 |
| Pretax income | -51,000 | 136,000 | 1,008,000 | 2,255,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -51,000 | 136,000 | 1,008,000 | 2,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,934,000 | 28,130,000 | 29,073,000 | 30,391,000 |
| Total capital | 29,568,000 | 29,792,000 | 30,764,000 | 32,170,000 |
| Risk-weighted assets | 194,852,000 | 183,936,000 | 196,189,000 | 196,248,000 |